Axis Bank
Ace · ACE
Axis Bank ACE Credit Card
Axis Bank
Unbeatable cashback on bills, food, and daily spends
Annual Fee
₹499
Joining Fee
₹499
Reward Rate
2.0%
Forex Markup
1.5%
Value Analysis
Annual Net Value
₹7,411
Total Annual Benefits
₹8,000
Total Annual Charges
₹589
ROI
1258%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Cashback Benefits (2)
5% Cashback on Bill Payments via GPay
Earn 5% cashback on all bill payments made through Google Pay
- • Payment must be made via Google Pay
- • No upper limit on cashback
5% cashback
2% Cashback on All Other Spends
Earn 2% cashback on all other retail transactions
- • Excludes fuel, EMI, wallet loads
2% cashback
Food & Dining (1)
4% Cashback on Food & Ride Apps
4% cashback on Swiggy, Zomato, and Ola transactions
- • Valid on Swiggy, Zomato, and Ola only
4% cashback
Travel Benefits (1)
Low Forex Markup
Only 1.5% currency markup on international transactions
1.5%
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹4,000
- • Valid on transactions ₹400–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
ACE Cashback
2–5% cashback
Effective cashback: 2.00%
Points expire: Cashback credited directly to statement, no expiry
Redemption Options
- → Auto-credited to credit card statement
Bonus Categories
Bill payments via GPay
5x multiplier
5% cashback
Swiggy, Zomato, Ola
4x multiplier
4% cashback
All other spends
2x multiplier
2% cashback
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹499 Excluding GST at 18% |
| Annual Fee | ₹499 Excluding GST at 18% |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 1.5%
- Interest Rate (Monthly)
- 3.6%
- Late Payment Fee
- ₹1,000
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹25,000
- Min. Annual Income
- ₹3,00,000
- Min. Credit Score
- 700
- Age Range
- 18 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹25,000
- • Self-Employed: ITR > ₹3 Lakh p.a.
- • Age 18–65 years
Insurance Coverage
Lost Card Liability
₹50,000
Report within 24h
- • Lost card liability: ₹50,000
- • Report loss within 24 hours for coverage
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹3,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security International acceptance Add-on cards available EMI conversion facility Cashback auto-credited to statement Google Pay integration
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Axis ACE Credit Card is a cashback-focused credit card offering 5% cashback on bill payments via Google Pay, 4% on Swiggy, Zomato, and Ola, and 2%...
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